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Eme

Easton, PA · Charter 64521

NCUA · 1 branch

Q2 2023

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2023, the quarter ended June 30, 2023, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Eme

Easton, PA · Charter 64521

NCUA · 1 branch

Q2 2023

$1.6MAssets
$246KLoans
$1.4MShares
$212KNet Worth

Executive Summary

  • Earnings: ROA of 1.55%, up 142 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 1.43% of loans (+60 bps YoY).
  • Capital: net worth / assets of 12.95%, up 283 bps from a year ago.
  • Funding: loans stand at 17.27% of shares as of Q2 2023.

Return on Assets (YTD, annualized)

1.55%+142 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+206 bps YoY

Efficiency Ratio (YTD, annualized)

40.00%-4,972 bps YoY

Net Worth / Assets

12.95%+283 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets-0.34%-0.24%0.02%0.13%0.10%0.36%0.55%1.55%+142 bps
Return on Equity-3.17%-2.26%0.15%1.30%0.93%3.70%4.70%11.96%+1,066 bps
Net Interest Margin1.41%1.33%1.11%1.13%1.26%1.40%2.94%3.19%+206 bps
Efficiency Ratio107.61%105.30%98.59%89.72%93.00%65.22%57.56%40.00%-4,972 bps
Growth
Asset Growth (YoY)7.03%6.68%6.84%6.46%5.78%11.00%-7.62%-14.27%-2,073 bps
Loan Growth (YoY)-5.53%-7.23%11.31%25.99%16.08%7.84%-9.75%-20.91%-4,690 bps
Share Growth (YoY)8.25%7.88%7.86%7.33%6.41%11.84%-9.07%-16.98%-2,431 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.84%0.81%1.12%0.00%1.43%+60 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.78%3.79%3.45%3.37%3.26%3.69%3.94%4.49%+112 bps
Capital
Risk-Based Capital10.77%10.51%10.29%10.11%10.26%9.83%11.70%12.95%+283 bps
Net Worth / Assets10.77%10.51%10.29%10.11%10.26%9.83%11.70%12.95%+283 bps
Liquidity & Funding
Loans / Shares17.50%16.94%18.19%18.13%19.09%16.33%18.05%17.27%-86 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps